BOBCARD Etihad Guest Premium Credit Card
An Etihad Guest co-brand card earning airline miles: 6 per ₹100 on Etihad Airways and 2 per ₹100 on other spends, bonus miles monthly, quarterly and yearly, 0% forex markup and 20 lounge visits a year; BOBCARD gives the miles no rupee value. Every figure below is copied from BOBCARD’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹5,000 plus GST MITC |
|---|---|
| Annual fee | ₹5,000 plus GST MITC |
| Annual fee waiver | On ₹5,00,000 of spend in the year MITC |
| GST on fees | 18% |
| Foreign-currency markup | None (0%) MITC |
| The joining fee is charged at issue and is not reversed; the annual fee is reversed on ₹5 lakh of spend in each card anniversary year. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Eligible spends in India and abroad (2 Etihad Guest Miles per ₹100) | 2 points per ₹100 Product page | no cap on record |
Miles go to the cardholder's Etihad Guest account each statement cycle and can be used only with Etihad Guest; BOBCARD states they have no monetary value, so the card's rewards cannot be priced. Etihad Airways spends earn 6 miles per ₹100 (a highlight). Telecom bills (MCC 4814) earn no miles; other utility bills do.
No rewards on
- Fuel Product page
- Passenger transport including railways, tolls and buses; telecom; rent; government; education; hospitals; wallets; insurance; charity MITC
Benefits
- Lounges: 12 domestic (3 a quarter) and 8 international (2 a quarter) lounge visits a year Product page
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹5,000, up to ₹250 a statement cycle Product page
- Welcome: 10,000 Etihad Guest miles on ₹50,000 of spend in the first 65 days (with the joining fee paid), plus 5,000 more on cumulative spend of ₹1 lakh Product page
- Milestone: 500 bonus miles a billing cycle on at least 4 transactions totalling ₹50,000 Terms
- Milestone: 4,000 bonus miles on ₹3 lakh of spend in a calendar quarter Terms
- Milestone: 24,000 bonus miles on ₹12 lakh of spend in a card anniversary year Terms
Also on this card
Quoted from BOBCARD; not counted in the net value.
- 6 Etihad Guest Miles per ₹100 on Etihad Airways Product page
- 0% foreign currency markup Product page
- Complimentary Etihad Guest Gold tier on a single Etihad.com transaction of ₹10,000 or more within 6 months of issue Terms
- Metal card Product page
Eligibility
- Indian resident Product page
- Age 21 or above Product page
- Age 60 or below Product page
- Salaried or self-employed Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by BOBCARD in the documents read
- the rupee value of an Etihad Guest mile (BOBCARD says miles have no monetary value)
- the card network
- a RuPay variant for UPI
- an income requirement
Where BOBCARD’s documents differ, and what is used
- Welcome miles: the product page gives 10,000 miles on ₹50,000 in 65 days plus 5,000 on cumulative ₹1 lakh; the programme FAQ gives 10,000 on ₹25,000 and 5,000 on ₹50,000; an offer for cards issued 1 October to 15 November 2026 gives 10,000 plus 5,000 on ₹50,000 in 65 days. None is valued, so the difference does not change any figure.
The quotes behind the figures
24 figures, each copied from an official BOBCARD document.
Show every quote and source
“BOBCARD Etihad Guest: `2500 + GST BOBCARD Etihad Guest Premium: `5000 + GST”
“18%## (applicable on all fees, interest & other charges)”
“BOBCARD Etihad Guest Premium: Applicable on spends of `5,00,000 in Anniversary year”
“BOBCARD Etihad Guest Premium: 0%”
“Earn 6 Miles per ₹100 on Etihad Airways and 2 Miles per ₹100 on every other domestic & cross border spends”
“No Cashback/Reward Points are earned on fuel transactions.”
“Spends on special categories (MCC's) listed in Annexure 1 won't qualify for base miles.”
“Transportation (Passenger Transportation, Passenger Railways, Bus services, Toll and road and Bridge Fees and Transportation Services - Not Elsewhere Classified) Telecom Rent Cleaning and Maintenance, laundry, Personal services (Beauty parlour, barber, Legal and CIVIC services etc) Government Education Hospital Wallet Insurance Charity”
“Joining & Annual Fee: ₹5000 + GST | Annual Fee Waiver applicable on spends of ₹5,00,000 or more in every anniversay year”
“Miles has no monetary value and are not exchangeable for cash.”
“Miles earned can be redeemed only on Etihad platform.”
“Joining fee- this will be levied on the card issuance date. No reversal on joining fee.”
“Premium Variant -- Total: 15,000 Miles”
“Enjoy 12 domestic (3 per quarter) and 8 international (2 per quarter) lounge visits every year”
“1% fuel surcharge waiver** at all fuel stations across India on transactions between ₹500 and ₹5,000 (Max. ₹250 per statement cycle).”
“10,000 Welcome Miles: Spend ₹50,000 within the first 65 days of card issuance and pay the applicable joining fee.”
“Premium: 500 bonus miles on a minimum of 4 transactions totalling 50,000. Valid once per billing cycle.”
“Premium: 4,000 bonus miles on spends of 3,00,000 in a calendar quarter. Valid once per quarter.”
“Premium: 24,000 bonus miles on annual spends of 12,00,000. Valid once per anniversary year.”
“BOBCARD Etihad Guest Premium Card comes with 0 % forex markup”
“Cardholders will be eligible for the complimentary Gold Tier Upgrade upon completing a single transaction of 10,000 or more on Etihad.com within 6 months from the date of card issuance.”
“Your name is engraved on solid metal.”
“Indian resident Age between 21-60 years Salaried or Self-Employed”
“Whether for business or leisure, your BOBCARD Etihad card transforms your travel into a first-class experience - every airport, every flight, every moment. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with BOBCARD or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is BOBCARD’s own file from its website, unaltered, fetched 2026-10-16. Methodology